The primary beneficiary is the person who has the first claim to inherit your HSA account after your death. You may name more than 1 primary beneficiary and designate how to divide the assets among your primary beneficiaries. 

A contingent beneficiary inherits your HSA account after your death if all of your primary beneficiaries predecease you. You may name more than 1 contingent beneficiary and designate how to divide the assets among the contingent beneficiaries.  

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